**Operator Greetings**
Welcome to Kingstone Companies’ Third Quarter 2025 Earnings Conference Call.
[Operator Instructions]
As a reminder, this conference is being recorded.
Joining us on today’s call will be President and Chief Executive Officer, Meryl Golden, and Chief Financial Officer, Randy Patten.
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On behalf of the company, I would like to note that this conference call may include forward-looking statements. These statements involve known and unknown risks, uncertainties, and other factors that may cause actual results to differ materially from projected results. Forward-looking statements speak only as of the date on which they are made, and Kingstone undertakes no obligation to update the information discussed.
For more information, please refer to the section entitled “Risk Factors” in Part 1 Item 1A of the company’s latest Form 10-K.
Additionally, today’s remarks may include references to non-GAAP measures. For a reconciliation of our non-GAAP measures to GAAP figures, please see the tables in the latest earnings release available on the company’s website at [www.kingstonecompanies.com](https://www.kingstonecompanies.com).
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With that, it is my pleasure to turn the call over to Meryl Golden.